Which county in Texas has the lowest homeowners insurance?

Zapata has the lowest homeowners insurance in Texas, at $1,171.

What is the homeowners insurance in Zapata?

Zapata is ranked #1 in Texas for homeowners insurance, at $1,171.

How is this homeowners insurance ranking calculated?

Counties in Texas are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Texas (2026)

Full county table and CSV download: Home insurance by county in Texas

Cheapest counties for homeowners insurance in Texas

Top 25 of 254 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Texas

Rank	County	Value
01	Zapata$1,171 County page
02	Webb$1,270 County page
03	Maverick$1,322 County page
04	El Paso$1,429 County page
05	Val Verde$1,436 County page
06	Bexar$1,535 County page
07	McLennan$1,560 County page
08	Travis$1,573 County page
09	Williamson$1,620 County page
10	Hidalgo$1,632 County page
11	Guadalupe$1,643 County page
12	Tom Green$1,674 County page
13	Comal$1,684 County page
14	Gregg$1,692 County page
15	Newton$1,712 County page
16	Brewster$1,717 County page
17	Milam$1,720 County page
18	Bell$1,722 County page
19	Starr$1,736 County page
20	Panola$1,745 County page
21	Rusk$1,762 County page
22	Anderson$1,764 County page
23	Coryell$1,789 County page
24	Nacogdoches$1,796 County page
25	Llano$1,796 County page

How this ranking works

This page ranks Texas counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in Texas has the lowest homeowners insurance?: Zapata has the lowest homeowners insurance in Texas, at $1,171.
What is the homeowners insurance in Zapata?: Zapata is ranked #1 in Texas for homeowners insurance, at $1,171.
How is this homeowners insurance ranking calculated?: Counties in Texas are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.